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Since the network operators launched LTE networks, it's become a little easier. All LTE networks in the U.S. are built using GSM technology, so newer Sprint and Verizon LTE-enabled handsets include a SIM card and may work on all GSM networks, big and small.
You don't, Verizon is a CDMA network and does not use SIM cards in their devices, except for a couple of their worl phones.